You have until December 31 to get the most out of your health insurance.

It’s easy to get caught up in the holiday season and forget to take advantage of your insurance benefits. However, the holidays are a good time to schedule doctors’ visits and elective surgeries. It’s also a good time to recover before you return to work in January. Whether you have already met your deductible or are using a Flexible Spending Account (FSA), you have until the end of December to make sure you get the most out of your benefits.

Suggestions for end-of-year savings:

• Annual physical
• Colonoscopy
• Foot and ankle surgery
• Gallbladder surgery
• Gynecologic surgery
• Hernia repair
• MRI/CT
• Outpatient physical therapy
• Screening mammogram
• Sleep study
• Vasectomy